Effective March 1, 2021, LHV will no longer support the use of Internet Explorer on our website. Newer browsers protect you better against viruses, scams and other threats. You can still use our website using Internet Explorer, however some features and banking operations might no longer work as expected. Please download one of these up-to-date, free browsers: Chrome, Firefox, Edge.

Private banking service

LHV’s private banking offers you full service and convenient solutions. We are much more than a traditional bank – we are innovative and have strong investment and entrepreneurship experience. We offer simple and convenient financial services and the best service.

  • Annual interest rate of 1% on the current account is accounted on sums up to 1,000,000 €
  • Platinum Debit Card and Platinum Credit Card
  • Personal client executive
  • Service by phone
  • Portfolio management service together with detailed reporting for financial assets with a volume exceeding 100,000 €

Bank cards

To apply for the card, you must have a Private Banking Service Agreement.
Contact us.

Platinum Debit Card
  • Debit card with contactless payment function
  • Travel insurance for the entire family
  • Purchase insurance
  • Priority Pass with unlimited visits
  • Estravel Platinum Club membership
  • Also enables payments over the Internet
Platinum card
Platinum Credit Card
  • Credit card with contactless payment function
  • Travel insurance for the entire family
  • Purchase insurance
  • Priority Pass with unlimited visits
  • Estravel Platinum Club membership
  • Interest 14%
  • Up to 40 days’ interest free period

The travel insurance is valid worldwide for private and business trips lasting up to 90 days. In addition to you, family members travelling with you are also insured.

The insurance covers, for example, medical assistance, damage to luggage, trip cancellations and interruptions and missed departures, and comprehensive insurance for a rental car. The sums insured apply to each insured person and each insured event separately.

The travel insurance included under the Platinum Card and private banking card offers additional Covid-19 cover until 31 October 2021.

If you become ill with Covid-19 abroad and need medical care, we will reimburse your medical expenses up to 700,000 euros.

If your trip is cancelled or disrupted due to a self-isolation requirement assigned to you or your travel companion, we will reimburse the costs of travel disruption up to 2,000 euros per each insured person.

The insurance does not cover cases caused by incomplete travel documents or other travel arrangement issues connected with the pandemic. For example, if you are not admitted to the country because you fail to present a negative coronavirus test result or the borders are closed, the associated costs will not be reimbursed.

Travel insurance is provided by LHV Kindlustus AS. Be sure to read the travel insurance conditions that list the types of insurance cover and the applicable exclusions.

The sums insured and indemnity limits indicated in the table apply to each insured person and each insured event separately.

Insurance coverSum insured / indemnity limitExcess
Travel disruption insurance
Travel disruption sum insured2,000 euros
including change of flight tickets150 euros
including purchase of essential items in the event of a public transport delay200 euros / 500 euros4 hours / 24 hours
including the indemnity limit for event tickets if your trip has to be cancelled150 euros
Medical insurance
Medical assistance sum insured700,000 euros
including the indemnity limit for dental care500 euros
including the indemnity limit for a medical device200 euros
Luggage insurance
Luggage insurance sum insured2,500 euros
including the indemnity limit for delayed luggage1,000 eurosup to 4 hours
including the indemnity limit for smart devices and video equipment1,250 euros
including the indemnity limit for replacement documents200 euros
Accident insurance
In the case of permanent disabilityup to 50,000 euros
In the case of death (insured person over 16 years of age)50,000 euros
In the case of death (insured person up to 16 years of age)2,000 euros
Liability insurance
Liability insurance sum insured100,000 euros
including in the case of damage to sports equipment, premises, apartment or building in the possession or use of the insured person5,000 euros
Legal costs
Legal costs sum insured10,000 euros
Bail indemnity limit5,000 euros
Rental car comprehensive insurance
Rental car comprehensive insurance sum insured40,000 euros250 euros

The purchase insurance included with a Platinum Debit Card or private banking card provides 180 days of protection for durable goods that you have paid for with a Platinum Debit Card or private banking card.
The insurance protects in various cases where an item has been broken, destroyed or stolen. For more information, please read the terms and conditions of insurance.

Purchase insurance is provided by LHV Kindlustus.

Insurance coverage
Validity 180 days
Deductible 30 euros

Sums insured
The sum insured is the purchase price of the insured object, in the extent to which LHV indemnifies the damage caused due to an insured event.
Minimum purchase price 100 euros
Maximum purchase price 5000 euros

Limit of indemnity
5000 euros for each insured event
Up to 10,000 euros per year

You can get the Priority Pass card with the Platinum Cards. With Priority Pass, you have free and unlimited access to over 1000 airport lounges worldwide. More detailed info and conditions.

Platinum Club members can pay with their ticket bought via Estravel at the Tallinn Airport Business Class Lounge and at the Platinum Club department of personal service Read more

Notify us of the loss event as soon as possible and follow the instructions of the LHV loss assistance specialist.
In the case of a loss event, please fill in the travel insurance or purchase insurance damage notice form.

Claims and travel assistance
Tel +372 680 1122 (24/7)

Customer support
Tel +372 699 9111 (Mon–Fri 9 am–5 pm),

Price list and terms and conditions

Monthly fee

Monthly private banking client fee € 30

European payments

Free of charge

Current account interest

Annual interest rate of 1% on the current account is accounted on sums up to 1,000,000 €

Platinum Card

Free of charge

Cash withdrawal using a Platinum Debit Card
  • From LHV’s ATMs: free of charge (+ 0.3% of any amount in excess of 10 000 € per month)

  • ATMs of other banks: from the current account in Estonia and a contracting party to the EEA Agreement 1 € (+ 0.3% of any amount in excess of 10 000 € per month) and, elsewhere abroad 2 € + 2.5% of the amount

Cash withdrawal using a credit card
  • 2 € + 2.5% of the sum
Priority Pass

Free card and lounge visit. The lounge visit fee of 32$ apply for persons travelling with the cardholder

Travel insurance

Applies to the owner of the Platinum and private banking card and the family members travelling with them. What does the travel insurance cover?

Purchase Insurance

Applies to all durable goods that have been paid for with the Platinum or private banking card. What does Purchase Insurance cover?

Member status in the Estravel Platinum Club

Travel service, club member’s permanent discounts and bonuses. Platinum Club info

Holding of Baltic securities

Free of charge

Holding of foreign securities
  • Up to 50,000 €: free of charge
  • On the part exceeding 50,000 €: 0.01%
Baltic analyses

Free of charge

Portfolio management

monthly 0.1%, min 30 € of the service, plus VAT. Read more

Prerequisites for becoming a private banking client

Volume of assets at LHV Pank 100,000 €

The EEA includes 28 EU Member States and 3 EFTA States: Iceland, Norway and Liechtenstein.

Always consider your credit decisions carefully. The financial service provider is AS LHV Pank. Familiarize yourself with terms and conditions of private banking and consult our specialist. The annual percentage rate of the Platinum Credit Card is 11.85% per year on the following sample conditions: limit 5000 €, annual interest rate 14% (fixed), interest-free period 35 days, repayment sum of 5316.62 €, assuming that the limit is used immediately, in its full amount and returned in the course of one year in equal monthly instalments.

Travel and Purchase Insurance is offered by AS LHV Kindlustus. The policyholder is LHV Pank AS. Review the terms and conditions of insurance, along with the limitations and exemptions, and ask for advice from our specialist.


Karel Parve

Head of Private Banking

684 6811

684 6811


Angeelika Popova

Client Manager

684 6884

684 6884


Argo Metsaru

Client Manager

684 6867

684 6867


Marje Siiner

Client Manager

684 6870

684 6870


Kristina Galjanitš

Client Manager

680 2775

680 2775


Taavi Tänava

Client Manager

684 6159

684 6159


Evelin Vahar

Private Banking Specialist

684 2619

684 2619


Mikk Taras

Portfolio Manager

Kaius Kiivramees

Portfolio Manager

LHV portfolio management

The aim of portfolio management is to grow capital with moderate risk through economic cycles. In order to achieve the best long-term results, we manage investment portfolios actively, taking risks when prices are low and reducing risks when prices are high.

Read more


LHV website uses cookies to provide you with the best user experience. By clicking "I accept", you consent to the use of all cookies. Read more about the principles of using cookies.